I want to get out of debt but I'm on smp!

StarryEyed_3

I am on smp... so about £117 a week, and have about £1000 on a cc (it is 0% for about another 8 months luckily). I have £10 a week left to myself to do what I want with, though being off work I end up spending it quite quickly (and I have started to dip into my overdraft every now and again! ... someone please smack my hand!!!). I know it's probably not the best time to do it, but I want to try and make a dent in my debt.... and stop dipping into my overdraft, I don't seem to know where my pocket money's gone!!! It's made me think tht I want to get back to work now so I can pay it all off as I don't like the thought of having it, but i wish I didn't think like that as I have a beautiful little boy that i should be enjoying for the few months I have left off work with him.

Please someone inspire me!!

rubydoiwannabee

Hi there and welcome,
if you need inspiraton you have come to the right place, these boards are amazing!!

Are there other areas you can cut down on, e.g. groceries, switch utilities etc?

Congratulations on the birth of your child, please do make the most of your time off work, it really does go very quickly!! When you are back at work you can throw everthing into clearing your debts and any savings you make from these boards will be a bonus.